Terms of use
In short. ClearOwe helps you keep track of money and things between you and others. It records what you tell it; it doesn’t move money, lend money or give financial advice. Be fair to the people you record, keep your recovery code safe, and enjoy it.
1. These terms
These terms are an agreement between you and ClearOwe (“we”, “us”) for the ClearOwe app and clearowe.com (the “Service”). By using the Service you accept them. If you don’t, please don’t use it.
2. What ClearOwe is, and isn’t
- ClearOwe is a record-keeping tool. Balances, interest and EMI figures are calculated from what you enter and are estimates for your convenience.
- We don’t hold, send or receive money, and we aren’t a bank, lender, payment service or debt collector.
- Nothing in the Service is financial, tax or legal advice. Check important figures, such as a loan’s outstanding amount, with your lender.
3. Your account
You can use ClearOwe without an account. If you create one, keep your sign-in method secure and tell us if you think someone else has access. You are responsible for what happens under your account.
4. Your data and the recovery code
You own what you record. Backups are end-to-end encrypted with a key derived from your recovery code, which only you hold. If you lose every phone with ClearOwe and your recovery code, neither you nor we can recover the backup. Please store the code safely. Our privacy policy explains how we handle data.
5. Using ClearOwe fairly
Don’t use the Service to harass, threaten or shame anyone, to collect debts unlawfully, to break the law, or to interfere with the Service or other people’s use of it. Messages you send from ClearOwe are sent by you, through apps you choose.
6. ClearOwe Pro
- Some features need a ClearOwe Pro subscription or one-time purchase, bought through the App Store or Google Play. Recording money and things is always free.
- Subscriptions renew automatically at the end of each period unless you cancel at least 24 hours before. Manage or cancel them in your App Store or Google Play account settings.
- Free trials, where offered, convert to a paid subscription unless cancelled before they end.
- Refunds are handled by Apple or Google under their policies.
7. Changes and availability
We may improve, change or stop parts of the Service. We’ll give reasonable notice of changes that significantly affect you. We aim for the Service to be available and accurate but can’t promise it will always be.
8. Ending
You can stop using ClearOwe and delete your account at any time from the app. We may suspend or end access if you seriously or repeatedly break these terms.
9. Disclaimers
The Service is provided “as is” and “as available”. To the extent the law allows, we disclaim all warranties, express or implied, including fitness for a particular purpose and accuracy of calculations.
10. Limitation of liability
To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for lost money, data or profits, arising from your use of the Service. Our total liability for any claim is limited to the amount you paid us in the 12 months before it arose, or US$50 if greater. Nothing here limits liability that cannot be limited by law, or your rights as a consumer where you live.
11. Governing law
These terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-law rules. Where your local consumer law gives you the right to bring claims in your own courts, that right is not affected.
12. Apple
If you got ClearOwe from the App Store, Apple is not a party to these terms and has no obligation to support the app, but Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them.